Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12589046
Complaint Overview
Complaint ID: 12589046
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: New Jersey
ZIP Code: 074XX
Date Received: 2025-03-20T12:00:00-05:00
Date Sent to Company: 2025-03-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THESE ACCOUNTS XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current I am disputing the reported late payment for XX/XX/XXXX on my XXXX account ( ending in XXXX ). This date is in the future, which indicates a reporting error. Please investigate and correct this inaccuracy. XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX - XX/XX/XXXX Payment Status : Current I am disputing the reported late payments from XX/XX/XXXX to XX/XX/XXXX on my XXXX account ( ending in XXXX ). I believe these late payments were reported in error. I request verification with supporting documentation. If they can not be validated, please update them from my credit report. XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current I am disputing the reported late payment for XX/XX/XXXX on my XXXX account ( ending in XXXX ). Since this date is in the future, it is inaccurate and should be corrected. Please investigate and update my credit report accordingly. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Frequently Asked Questions
What is Complaint #12589046 about?
Complaint #12589046 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-03-20T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.